At Funding Zest, we make it easy to find the best payday loan for your particular situation, no matter where you live in Cullman. We offer loans ranging from $100 to $35,000, and the money can be in your hands within just one hour!
With Funding Zest, you can get up to $35,000 quickly and easily from the comfort of your own home. All you have to do is fill out the request form, and you will receive an instant decision. If approved, you could have the money in your account within one hour. Payday loans are great for dealing with sudden expenses, such as an unexpected vet bill, car repair, or house repair – however, they should not be used as a long-term solution to financial issues. Make sure you understand the consequences of not making payments on time.
Even if you have been turned down by a bank due to bad credit, you can still find a payday loan in Cullman! At Funding Zest, we understand that a past financial mistake may have damaged your credit rating, but we believe everyone should have the opportunity to rebuild their financial strength. We accept people with all credit histories, so don’t hesitate to get started today and get a stress-free payday loan!
If you’re ever in a situation where you need cash quickly and you don’t have the funds available, a cash advance could be the way to go. With Funding Zest, you can easily submit a loan request online, and our panel of reputable providers can help you to find the right short-term lender for you. Just adjust the sliders to show how much you would like to borrow and how long for, then click the “Get Started” button to start your loan enquiry. This way, you can take control of your finances and not let the restrictions of paydays get in the way.
To be eligible for a cash advance from Funding Zest, customers must be a US citizen over 18 years of age, have a live checking account to receive funds, and have a steady income of at least $800 per month. Bad credit is considered, and customers must be able to make repayments.
Your loan payments will be automatically deducted from your bank account on an agreed-upon date. You will receive reminders ahead of time so that you are aware of when payments are due. The loan will be paid off over a period of one to sixty months, depending on the amount of the loan.
| Law Status | Legal |
| Minimum Loan Amount | None |
| Maximum Loan Amount | $500 |
| Minimum Loan Term | 10 days |
| Maximum Loan Term | 31 days |
| Maximum APR | 456%* |
| Additional Fees | Not specified |
| Non Sufficient Fund Fee (NSF) | $30 |
| Number of loans at the same time | No limit, but the total outstanding loan amount cannot exceed $500 |
| Cooling off period | Next business day after repayment |
| Rollover | 1 |
| Penalties for default | Prohibited unless check returned due to closed account |
If you borrow the maximum amount in Cullman, Alabama, ($500) and borrow it for the maximum term (31 Days) and you get the maximum APR rate (456%) the total cost to repay would be $576.85. This is $76.85 in interest and a monthly interest rate of 38%.
If you apply during regular business hours, Monday to Friday, 9-5 then you could get the money in your account the same day, next day or even the next business day. Make sure you apply during business hours in Cullman.
When you pay off your current payday loan in full, you may be offered the choice to renew it. Your lender will usually perform a set of assessments to determine how much you’re eligible to borrow and whether a payday loan is still a suitable option for you. These evaluations may result in a rejection, an offer for a lesser or similar amount, or possibly a significantly higher amount if you’ve established a reliable relationship with the lender.
Although all payday lenders conduct credit checks, some loan providers also take into account your overall income when determining your eligibility for a loan. This means that individuals with lower credit scores may still have the opportunity to secure financing.
The payments for your loan will be automatically collected using an ACH authorization system, which deducts the repayment amount from your account on the scheduled date. You don’t need to make a manual repayment or phone calls because this process is designed to be fully automated.
All you need to ensure is that you have sufficient funds available in your account on the scheduled repayment date. However, if you prefer, you can still make a manual repayment or even pay off your loan early by calling the lender or accessing the account section of their website.
Copyright © 2022 Funding Zest. All Rights Reserved
Tel: 1-855-884-6510
Email: info@fundingzest.com
Address: 7072 Cedarwood Dr.
Los Angeles, CA 90006, United States
